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Insurance and What It Means To You

There are more cars and drivers hitting the road each year. With countless vehicles on the road, accidents are going to happen. If you get in a car accident, the auto insurance you own can make a large difference in how much you have to pay. How can you determine what insurance you need and how to buy it? Coverage requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. If you are sued, this type of insurance will pay for your legal fees. State laws typically require standard amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance takes care of any non-collision damages. This may include fire damage, vandalism, and robbery. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, such as: * What coverage you choose * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial fiasco. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. Golf Cart Insurance Clermont